Loan amount of up to HK$1,200,000or 18 times your monthly salary (whichever is the lower)

Flexible Repayment tenor of up to 72
months

Credit
Card

Wing Lung Balance Transfer Loan

Save interest expenses of

95%

Loan Amount

HKD500,000

Repayment period

275
months

60 months

Total Interest
Expenses

HKD524,404

HKD27,300

Remarks:

Annualised Percentage Rate ("APR") is a reference
rate which includes the basic interest rate and other fees and charges of a product
expressed as an annualised rate. APR is calculated according to the method set out
in the Code of Banking Practice. Maximum APR is 36% with a repayment period
of 6 to 72 months, subject to the relevant terms and conditions. The loan application
is subject to the Bank's approval.

For a loan amount of HKD1,000,000
with a repayment period of 12 months, the monthly flat rate is 0.091% (APR 3.95%),
and the total repayment amount is HKD1,039,500 and the handling fee is HKD10,000.
The above example is for reference only.

The credit card example is calculated
on the basis of monthly minimum repayment of 5% of the outstanding balance and annual
interest rate of 30%, thus the Annualized Percentage Rate ("APR") is 34.49%
and the total interest expenses is HKD524,404. Wing Lung Balance Transfer Loan example
is calculated on the basis of loan amount of HKD500,000, repayment period of 60 months
and monthly flat rate of 0.091%, thus the APR is 4.27% and the total interest expenses
is HKD27,300. (The APR is calculated according to the guidelines laid down in the Code
of Banking Practice, including loan handling fee of 1% per annum on the approved
loan amount and cash reward). The above example is based on a number of assumptions
and is for reference only. The credit rating of customers must comply with the requirements
of Wing Lung Bank Limited ("the Bank"). The approved APR of individual customer
is subjected to the credit rating of the customer, loan amount and repayment period.
The final approval of the application, loan amount, repayment period and interest
rate will be determined by the Bank as final decision without providing any reason.